Why get an appraisal from Early Bird Appraisal Service?

Thousands of people in Montana purchase, sell or refinance their home every month. Most of these transactions involve a simple line item for an appraisal. And even though there are a multiplying number of automated home valuation processes that may appear less expensive than an appraisal, practically all lenders still want a local expert because the stakes are incredibly high. You might believe that obtaining a mortgage is the only reason to acquire an appraisal, but there are additional cases when the services of a licensed, independent real estate professional might come in handy.


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Dispute your tax assessment in Missoula County

It's possible you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are determined by a previous assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Early Bird Appraisal Service is your best evidence. At Early Bird Appraisal Service,we can assist you in disputing your tax assessment.

How can you eliminate PMI to lower your mortgage payment?

Private Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask home owners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. Most often, this additional payment is lumped into the monthly mortgage payment and is quickly forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to dismiss the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Early Bird Appraisal Service can produce a statement regarding the value of your home. The cost of the home valuation can often be regained in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be an especially traumatic event for both parties, and it is often even more complicated by the hard decision of who maintains the home. It's a good idea to get an appraisal from Early Bird Appraisal Service so both parties are entirely aware of the true market value of their house, regardless of the circumstances.

The parties will have a better idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Accurate and fair estate liquidation with help from Early Bird Appraisal ServiceSettling an estate

The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal.

Early Bird Appraisal Service can assist you in relocating to or from Missoula County

We are aware of the stress involved with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered during our thorough process.

Selling your home quickly at the right price with an appraisal from Early Bird Appraisal Service

A professional appraisal can help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are derived from our efforts to complete the appraisal report and and aren't related to the sales price.

On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long properties stay on the market. So, obtaining a professional appraisal is a reliable way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.